OCC Announces Enforcement Actions for November 2025

WASHINGTON—The Office of the Comptroller of the Currency (OCC) today released enforcement actions taken against national banks and federal savings associations (banks), and individuals currently and formerly affiliated with banks the OCC supervises.

The OCC uses enforcement actions against banks to require the board of directors and management to take timely actions to correct the deficient practices or violations identified.

• The OCC does not have any enforcement actions against banks to release in November.

The OCC uses enforcement actions against an institution-affiliated party (IAP) to deter, encourage correction of, or prevent violations, unsafe or unsound practices, or breaches of fiduciary duty. Enforcement actions against IAPs reinforce the accountability of individuals for their conduct regarding the affairs of a bank. The term “institution-affiliated party,” or IAP, is defined in 12 USC 1813(u) and includes bank directors, officers, employees, and controlling shareholders. Orders of Prohibition prohibit an individual from any participation in the affairs of a bank or other institution as defined in 12 USC 1818(e)(7). The OCC has taken the following actions against IAPs:

• Order of Prohibition against Amy Jo Reid, former Senior Vice President and Director for Purchasing at Associated Bank, N.A., Green Bay, Wisconsin, for using the bank’s purchasing cards for personal transactions totaling at least $411,000 and providing false documents and information to deceive the bank into paying for these personal expenses. (Docket No. AA-ENF-2025-50)
• Personal Cease-and-Desist Order against Claudia Russ Anderson, former Community Bank Group Risk Officer of Wells Fargo Bank, N.A., Sioux Falls, South Dakota, in connection with the bank’s longstanding sales practices misconduct. (Docket No. AA-EC-2019-81)

The OCC terminates enforcement actions when a bank has demonstrated compliance with all articles of an enforcement action; or when the OCC determines that articles deemed “not in compliance” have become outdated or irrelevant to the bank’s current circumstances; or when the OCC incorporates the articles deemed “not in compliance” into a new action. Termination actions include:

• Order Terminating the Cease and Desist Order against Blue Ridge Bank, N.A., Martinsville, Virginia, dated January 24, 2024 (Docket No. AA-ENF-2023-68). The terminated order addressed violations of law, rule, or regulation related to the Bank Secrecy Act (BSA)/anti-money laundering (AML) and unsafe or unsound practices, including those related to capital, liquidity risk management, and information technology controls. (Docket No. AA-ENF-2025-58).
• Order Terminating the Formal Agreement with The First National Bank of St. Ignace, St. Ignace, Michigan, dated January 19, 2024 (Docket No. AA-CE-2024-1). The Formal Agreement addressed unsafe or unsound practices, including those related to capital planning, capital stress testing, and strategic planning, and a violation of law, rule, or regulation related to payment of dividends. (Docket No. AA-CE-2025-56)

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All OCC public enforcement actions taken since August 1989 are available for download by viewing the searchable enforcement actions database at https://apps.occ.gov/EASearch.

Related Link

• Enforcement Action Types